Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 101,555,000 | 101,104,000 | 100,910,000 | 166,106,000 |
| Total loans | 69,252,000 | 75,044,000 | 74,286,000 | 129,090,000 |
| Allowance for loan losses | 825,000 | 826,000 | 821,000 | 2,738,000 |
| Securities available for sale | 17,528,000 | 10,587,000 | 10,292,000 | 14,781,000 |
| Securities held to maturity | 255,000 | 255,000 | 255,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,569,000 | 88,481,000 | 87,919,000 | 143,752,000 |
| Interest-bearing deposits | 76,532,000 | 76,576,000 | 74,687,000 | 118,100,000 |
| Noninterest-bearing deposits | 12,037,000 | 11,905,000 | 13,231,000 | 25,652,000 |
| Equity capital | 10,145,000 | 10,384,000 | 10,641,000 | 19,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,782,000 | 2,699,000 | 6,096,000 |
| Interest expense | 90,000 | 177,000 | 262,000 | 500,000 |
| Net interest income | 783,000 | 1,605,000 | 2,437,000 | 5,596,000 |
| Noninterest income | 188,000 | 398,000 | 574,000 | 1,088,000 |
| Noninterest expense | 680,000 | 1,331,000 | 2,000,000 | 4,723,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,500,000 |
| Pretax income | 291,000 | 711,000 | 1,050,000 | 3,497,000 |
| Income tax | 85,000 | 220,000 | 324,000 | 1,192,000 |
| Net income | 206,000 | 491,000 | 726,000 | 2,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,105,000 | 10,391,000 | 10,626,000 | 19,582,000 |
| Total capital | 10,930,000 | 11,217,000 | 11,447,000 | 21,221,000 |
| Risk-weighted assets | 71,300,000 | 71,402,000 | 73,775,000 | 129,993,000 |